Christina Ramirez's Blog Posts

June Changes Are Coming To Fannie Mae

Did you know that on June 25th there are some important changes coming from Fannie Mae? Fannie Mae will be implementing “trended credit”.  Trended credit data is expanded

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72 Ways To Organize Your Home In 10 Minutes Or Less

Retrieved  electronically April 12, 2016  from  http://goo.gl/JoUL91Maintaining focus for 10 minutes is very doable.Even for the chronically distracted, 10 minutes is easy.

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Plants To Perk Up Your Mood

Houseplants that will perk up your mood! By: Stacey Freedretrieved electronically March 8, 2016 from http://www.houselogic.com/home-advice/plants-trees/plants-for/

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Is Spring Really The Best Time To Sell Your House

It’s the Time of the Season for Selling a House—or Is It?By  Craig Donofrio  11:40 am ET    March 24, 2015Retrieved electronically February 1, 2016 from http://www

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10 Resolutions To Achieve Home Ownership In 2016

Retrieved electronically January 4, 2016 from http://capecodproperties.com/home-ownership-in-2016/.  Posted with  modifications.Home Ownership in 2016Is one of your New Year’s

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Four Clutter Cutting Ideas For Years End

Christmas Week is here, and New Year's Eve is on the horizon!Even in the midst of holiday cheer, it's time to look ahead to a clean and organized New Year--past the clutter of Christmas Past!Ready

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Should You List Your Home During The Holidays

Should you list your home during the holidays?Dec. 2, 2013 at 2:05 PM Brendon DeSimone Zillow With the holidays approaching, sellers often wonder if they should keep their

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10 Ways To Get Your Kitchen Ready For Thanksgiving

Whether it’s your first time hosting or you’re a seasoned pro, planning and cooking a Thanksgiving feast can be stressful. These 10 tips will help keep the day smooth, your sanity intact and

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Do I Need To Be Prequalified Before A Realtor Will Work With Me

This is one of the number one questions I hear as a Realtor.... "Do I (or "Why do I...") need to be pre-qualified before a real estate agent will show me houses?"The short answer in this short blog

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Bye Bye HUD

Say goodbye to the HUD-1….Starting October 1st, the HUD and Truth-in-Lending forms has been replaced by new forms produced by the Consumer Financial Protection Bureau (CFPB), which, under the Dodd

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What Realtors Need To Know About Credit Scores

Which credit scores fund loans?That's very important for Realtors and agents to know because the majority of home purchases are funded through the use of borrowed money.  Unless your client is

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Know The Difference Between PreQual And PreApproved

Pre-Qualification vs Pre-ApprovalWhen you initially set out to purchase a new home, the real estate agent(s) and home seller will want to know you can actually afford the thing. Heck, you’ll want

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Rent To Own You CAN Do That With Houses Too

Can I Actually Rent-to-Own a Home?Advertiser DisclosureSeptember 16, 2014 by Kirk Haverkamp  5 CommentsIn today’s economy, there are many people who would like to become

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FHA 203K Loans Let You Buy And Fix Up Too

Getting a Mortgage Loan for a Fixer-Upper: A Primer on FHA 203k LoansThe idea of buying a fixer-upper and turning it into your dream abode can seem so perfect — every nook and cranny just to your

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Buffet On The Stock Market Or Real Estate

This is taken from my friend Ned Carey's blog website, www.baltimorerealestateinvestingblog.com.  What commentary applies to the stock market can also be applied to real estate.  To my

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Tips For Getting A Mortgage

Are you considering buying a Baltimore/Washington, DC property as a second home or investment? Perhaps you are looking for a small cottage or apartment where you can escape for vacation, or

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